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Qfin Holdings Inc's Business Segments
Qfin Holdings Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of 2025 ((Dec 31 2025))
Reportable Segments
-
Largest Segment
-
Total Revenue
$ 2,783
Regions Reported
-
Annual Results
Revenue by Product & Service Category -
- Credit Risk Taking Model0%
- Financial Service0%
- Platform Service0%
- Referral Services98.4%
- Loan Facilitation and Servicing Fees Risk Taking57.7%
- Revenue From Loan Facilitation Services Under Fees Risk Taking41.1%
- Revenue From Loan Facilitation Services Under Fees Capital Light24.6%
- Revenue From Post Origination Services Under Fees Capital Light17.2%
- Revenue From Post Origination Services Under Fees Risk Taking16.6%
- Other Services Risk Taking14%
- Loan Facilitation and Servicing Fees Capital Light0.2%
- Releasing of Guarantee Liabilities0%
- Other Services Risk Free Model0%
Revenue by Product & Service Category -
| Category | Revenue (Millions) | % of Total |
|---|---|---|
| Credit Risk Taking Model | $ 13,977 | - |
| Financial Service | $ 8,569 | - |
| Platform Service | $ 5,228 | - |
Product and service categories are a supplemental disclosure and are not required to sum to consolidated revenue or to the reportable segments above.
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Description of Qfin Holdings Inc
360 Digitech Inc. is a leading technology platform in China's consumer finance industry that offers a range of innovative and comprehensive financial products and services to both individuals and businesses. The company was founded in 2016 and is headquartered in Shanghai, China.
360 Digitech has created a robust and scalable technology infrastructure that integrates advanced big data and artificial intelligence capabilities to provide real-time risk management, credit assessment, and recommendation engines for its wide range of financial products. The company's platform enables it to offer personalized and customized financial solutions, including consumer loans, SME loans, supply chain finance, insurance, and wealth management products.
Consumer Loans:
360 Digitech offers unsecured and secured loans to individual consumers through its online platform, 360 Dafuweng. The company's advanced risk management system ensures efficient and timely loan approval and disbursement to customers, while its competitive interest rates and flexible repayment terms provide an attractive option for borrowers. 360 Dafuweng has also partnered with leading Chinese e-commerce platforms, such as JD.com and Suning, to offer convenient and seamless access to consumer loans.
SME Loans:
The company's online platform, 360 Fintech, provides small and medium-sized enterprises (SMEs) with access to financing options tailored to their specific business needs. The platform offers a range of SME loans, including supply chain finance and factoring, to help businesses manage their cash flow and reduce financial risks. 360 Fintech's AI-powered credit assessment and risk management system enables efficient and accurate loan evaluation and provides borrowers with quick access to funds.
Supply Chain Finance:
360 Digitech's supply chain finance platform, 360 Supply Chain Finance, offers financing solutions to businesses operating in the supply chain ecosystem. The platform integrates with logistics service providers and e-commerce marketplaces to provide businesses with easy access to financing options and streamlined working capital management. The platform enables businesses to reduce transaction costs, improve liquidity, and enhance their supply chain efficiency.
Insurance:
360 Digitech has partnered with leading insurance companies in China to offer a range of insurance products to individuals and businesses. Through its online platform, 360 Insurance, the company provides customers with a convenient and transparent way to purchase insurance policies tailored to their specific needs. The platform's AI-powered recommendation engine analyzes customer data and provides customized insurance products that suit their requirements.
Wealth Management:
The company's wealth management platform, 360 Wealth Management, offers a range of investment products to help customers grow their wealth. The platform provides customers with personalized investment advice and customized investment portfolios tailored to their risk tolerance, financial goals, and investment preferences. The platform's AI-powered recommendation engine continuously monitors the market and adjusts customers' portfolios to ensure optimal investment performance.
Overall, 360 Digitech is a technology-driven company that leverages cutting-edge big data and AI technology to provide innovative and comprehensive financial solutions to individuals and businesses in China. With a focus on customer-centricity and advanced risk management capabilities, the company is well-positioned to continue its growth and expansion in the consumer finance industry.
360 Digitech has created a robust and scalable technology infrastructure that integrates advanced big data and artificial intelligence capabilities to provide real-time risk management, credit assessment, and recommendation engines for its wide range of financial products. The company's platform enables it to offer personalized and customized financial solutions, including consumer loans, SME loans, supply chain finance, insurance, and wealth management products.
Consumer Loans:
360 Digitech offers unsecured and secured loans to individual consumers through its online platform, 360 Dafuweng. The company's advanced risk management system ensures efficient and timely loan approval and disbursement to customers, while its competitive interest rates and flexible repayment terms provide an attractive option for borrowers. 360 Dafuweng has also partnered with leading Chinese e-commerce platforms, such as JD.com and Suning, to offer convenient and seamless access to consumer loans.
SME Loans:
The company's online platform, 360 Fintech, provides small and medium-sized enterprises (SMEs) with access to financing options tailored to their specific business needs. The platform offers a range of SME loans, including supply chain finance and factoring, to help businesses manage their cash flow and reduce financial risks. 360 Fintech's AI-powered credit assessment and risk management system enables efficient and accurate loan evaluation and provides borrowers with quick access to funds.
Supply Chain Finance:
360 Digitech's supply chain finance platform, 360 Supply Chain Finance, offers financing solutions to businesses operating in the supply chain ecosystem. The platform integrates with logistics service providers and e-commerce marketplaces to provide businesses with easy access to financing options and streamlined working capital management. The platform enables businesses to reduce transaction costs, improve liquidity, and enhance their supply chain efficiency.
Insurance:
360 Digitech has partnered with leading insurance companies in China to offer a range of insurance products to individuals and businesses. Through its online platform, 360 Insurance, the company provides customers with a convenient and transparent way to purchase insurance policies tailored to their specific needs. The platform's AI-powered recommendation engine analyzes customer data and provides customized insurance products that suit their requirements.
Wealth Management:
The company's wealth management platform, 360 Wealth Management, offers a range of investment products to help customers grow their wealth. The platform provides customers with personalized investment advice and customized investment portfolios tailored to their risk tolerance, financial goals, and investment preferences. The platform's AI-powered recommendation engine continuously monitors the market and adjusts customers' portfolios to ensure optimal investment performance.
Overall, 360 Digitech is a technology-driven company that leverages cutting-edge big data and AI technology to provide innovative and comprehensive financial solutions to individuals and businesses in China. With a focus on customer-centricity and advanced risk management capabilities, the company is well-positioned to continue its growth and expansion in the consumer finance industry.
Qifu Technology Inc. - Comprehensive Overview of Segments, Products, and Services
Qifu Technology Inc. specializes in innovative financial technology solutions, aiming to enhance the efficiency and effectiveness of various segments within the financial sector. The company is committed to leveraging cutting-edge digital technology to streamline processes, reduce operational costs, and improve customer experiences. Below is an extensive description of the segments, products, and services offered by Qifu Technology Inc.
Segments:
1. Business Loan Facilitation Segment:
In this segment, Qifu Technology aims to bridge the gap between small and medium enterprises (SMEs) and lenders. This service utilizes advanced technology to simplify and expedite the loan application process. By offering a comprehensive platform that connects borrowers and lenders, Qifu Technology enhances transparency and decreases the time necessary for loan approvals. Their solutions enable SMEs to access the capital they need quickly, potentially disrupting traditional banking practices.
2. Consumer Finance Segment:
Qifu Technology provides a range of consumer financing options including installment loans, personal loans, and credit card services. Through partnerships with banks and other financial institutions, they offer consumers seamless access to credit. The aim is to empower individuals with flexible and user-friendly financing options that meet their unique financial needs.
3. Risk Assessment and Management Segment:
Understanding and managing risk is critical in the financial sector. Qifu Technology offers software solutions that enable financial institutions to carry out detailed risk assessments before granting credit. This segment focuses on providing tools that enhance decision-making processes while minimizing potential financial losses.
Products:
1. Advanced Risk Management Software:
This product encompasses tools and algorithms that assist financial institutions in identifying, assessing, and mitigating risks. It includes features such as predictive analytics, risk scoring, and scenario analysis, enabling lenders to make data-driven decisions.
2. Automated Loan Origination Software:
Qifu Technologys loan origination software streamlines the entire loan process from application to disbursement. By automating various stages of loan processing, this software significantly reduces the time required for approval and disbursement, thus increasing efficiency and customer satisfaction.
3. Digital Banking Solutions:
A key offering from Qifu Technology is its suite of digital banking services. These include online banking platforms, mobile payment systems, digital wallet services, and integrated payment gateways that facilitate easy and secure transactions for consumers and businesses alike.
Services:
1. Credit Assessment Services:
Qifu Technology provides in-depth credit assessment services that leverage advanced algorithms and machine learning. They assist banks and lenders in evaluating the creditworthiness of applicants through comprehensive data analysis and risk profiling.
2. Marketing and Big Data Analytics:
Utilizing advanced big data techniques, Qifu Technology helps SMEs understand market trends and customer behaviors. By providing actionable insights through data analytics, businesses can optimize their marketing strategies, improve targeting, and enhance their overall marketing ROI.
3. Debt Collection and Recovery Services:
Qifu Technology offers efficient debt recovery solutions, employing advanced techniques such as skip tracing and debt portfolio management. Their services aim to improve recovery rates for lenders while ensuring ethical collection practices that maintain customer goodwill.
4. Consulting Services:
In addition to their technology products, Qifu Technology offers consulting services aimed at helping financial institutions implement best practices in technology adoption, compliance, and operational efficiency.
In summary, Qifu Technology Inc. presents a broad spectrum of segments, products, and services designed to modernize the financial landscape. Their focus on innovation not only enhances operational efficiency but also significantly improves customer engagement and satisfaction. By leveraging technology, Qifu Technology plays a pivotal role in transforming financial verticals while addressing the ever-evolving challenges faced by both lenders and borrowers.
Qifu Technology Inc. specializes in innovative financial technology solutions, aiming to enhance the efficiency and effectiveness of various segments within the financial sector. The company is committed to leveraging cutting-edge digital technology to streamline processes, reduce operational costs, and improve customer experiences. Below is an extensive description of the segments, products, and services offered by Qifu Technology Inc.
Segments:
1. Business Loan Facilitation Segment:
In this segment, Qifu Technology aims to bridge the gap between small and medium enterprises (SMEs) and lenders. This service utilizes advanced technology to simplify and expedite the loan application process. By offering a comprehensive platform that connects borrowers and lenders, Qifu Technology enhances transparency and decreases the time necessary for loan approvals. Their solutions enable SMEs to access the capital they need quickly, potentially disrupting traditional banking practices.
2. Consumer Finance Segment:
Qifu Technology provides a range of consumer financing options including installment loans, personal loans, and credit card services. Through partnerships with banks and other financial institutions, they offer consumers seamless access to credit. The aim is to empower individuals with flexible and user-friendly financing options that meet their unique financial needs.
3. Risk Assessment and Management Segment:
Understanding and managing risk is critical in the financial sector. Qifu Technology offers software solutions that enable financial institutions to carry out detailed risk assessments before granting credit. This segment focuses on providing tools that enhance decision-making processes while minimizing potential financial losses.
Products:
1. Advanced Risk Management Software:
This product encompasses tools and algorithms that assist financial institutions in identifying, assessing, and mitigating risks. It includes features such as predictive analytics, risk scoring, and scenario analysis, enabling lenders to make data-driven decisions.
2. Automated Loan Origination Software:
Qifu Technologys loan origination software streamlines the entire loan process from application to disbursement. By automating various stages of loan processing, this software significantly reduces the time required for approval and disbursement, thus increasing efficiency and customer satisfaction.
3. Digital Banking Solutions:
A key offering from Qifu Technology is its suite of digital banking services. These include online banking platforms, mobile payment systems, digital wallet services, and integrated payment gateways that facilitate easy and secure transactions for consumers and businesses alike.
Services:
1. Credit Assessment Services:
Qifu Technology provides in-depth credit assessment services that leverage advanced algorithms and machine learning. They assist banks and lenders in evaluating the creditworthiness of applicants through comprehensive data analysis and risk profiling.
2. Marketing and Big Data Analytics:
Utilizing advanced big data techniques, Qifu Technology helps SMEs understand market trends and customer behaviors. By providing actionable insights through data analytics, businesses can optimize their marketing strategies, improve targeting, and enhance their overall marketing ROI.
3. Debt Collection and Recovery Services:
Qifu Technology offers efficient debt recovery solutions, employing advanced techniques such as skip tracing and debt portfolio management. Their services aim to improve recovery rates for lenders while ensuring ethical collection practices that maintain customer goodwill.
4. Consulting Services:
In addition to their technology products, Qifu Technology offers consulting services aimed at helping financial institutions implement best practices in technology adoption, compliance, and operational efficiency.
In summary, Qifu Technology Inc. presents a broad spectrum of segments, products, and services designed to modernize the financial landscape. Their focus on innovation not only enhances operational efficiency but also significantly improves customer engagement and satisfaction. By leveraging technology, Qifu Technology plays a pivotal role in transforming financial verticals while addressing the ever-evolving challenges faced by both lenders and borrowers.